1408 Thurso Rd, Lynn Haven, FL 32444 Property Records

Bay County property record for 1408 Thurso Rd, Lynn Haven, FL 32444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,393 sqft · built 2003
Lot Size	0.426 acres (18,561 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Dec 2002)
Tax Bill	$3,458 (2025)
Deeds & Mortgages	Oct 2025 Transfer Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11588-904-000`

Property Details

APN / Parcel Number

Primary APN	`11588-904-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,393 sqft Heated Area
Gross Area	3,645 sqft
1st Floor Area	2,293 sqft
2nd Floor Area	100 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	18,561 sqft (0.426 acres)
Garage Area	704 sqft
Driveway	Driveway
Driveway Area	720 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	492 sqft
Fence	Fence
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1408 THURSO RD
City	LYNN HAVEN
State	FL
Zip	32444-8334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST GLENN LOT 4 ORB 1765 P 1490 ORB 2215
Legal Range	14W
Legal Township	03S
Legal Section	15
Legal Subdivision	FOREST GLEN
Legal Lot Number	4
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2013
Census Tract	1301

Owner

1408 Thurso Rd is owned and occupied by two individuals who acquired it in October 2025.

Source: Bay County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Co-owner	2 Co-owners on File
Mailing Address	753 4TH ST, CHIPLEY, FL 32428-1812
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Dec 11, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Dec 11, 2002 · Amount on File
Deed Sale	Dec 11, 2002 · Amount on File
Prior Sale	Dec 11, 2002 · Amount on File
Deed Document Number	0022151796
Last Transfer Date	Oct 6, 2025
Transfer Doc	0049601376
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Oct 6, 2025
Property Address	1408 THURSO RD, LYNN HAVEN, FL 32444-8334
Document Number	0049601376
Book / Page	4960 / 1376
Map Reference	MB 18 PG 23&24
Instrument Date	Sep 30, 2025
Instrument	2025057922
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1408 THURSO RD, LYNN HAVEN, FL 32444-8334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	753 4TH ST, CHIPLEY, FL 32428-1812

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	1408 THURSO RD, LYNN HAVEN, FL 32444-8334
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039250819
Date	Aug 7, 2017
Book Page	3925/0819
Instrument	2017044664

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2032

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BAY FL
Recording Date	Dec 11, 2020
Property Address	1408 THURSO RD, LYNN HAVEN, FL 32444-8334
Document Number	0043362136
Book / Page	004336 / 002136
Instrument Date	Dec 11, 2020
Instrument	84149
Transaction Type	Transfer
Record Updated	Jan 8, 2021
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 636 LYNN HAVEN FL 324440636, LYNN HAVEN, FL 32444-0636

Tax Assessment & Valuation

The 2025 property tax bill for 1408 Thurso Rd was $3,458 with exemptions applied, down 3.8% from the year before.

Source: Bay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Lynn Haven City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,458.00 (-3.84%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$276,520 (+2.9%)	$358,981 (+3.82%) Land $63,500 Building $295,481
2024	$3,596.00 (+3.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$268,727 (+3.55%)	$345,760 (+1.7%) Land $56,300 Building $289,460
2023	$3,464.00 (+12.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$259,507 (+3%)	$339,973 (+20.28%) Land $48,755 Building $291,218
2022	$3,087.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$251,949	$282,658 Land $37,839 Building $244,819

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1408 Thurso Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 325 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	325 in force
Nearby Flood Claims	60 (1998–2021)
Claims Outside the SFHA	27 of 60
Most Recent Claim	Aug 2021 · Tropical Storm Fred
Claims by Event	Hurricane Michael, Oct 2018 · 48 claims Severe Storms And Flooding, Jul 2013 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1408 Thurso Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people · EPA ID FL1030435
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Nov 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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